IRON WORKERS REGIONAL HEALTH & WELFARE TRUST (EIN 362234288) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1956

Legal Domicile

Principal Officer

JAMES GARDINER

Phone

6304720626

Tax Period

2024-07-01 to 2025-06-30

IRON WORKERS REGIONAL HEALTH & WELFARE TRUST, founded in 1956, is a mid-sized nonprofit that reported $10.4M in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion.

Mission

TO PROVIDE HEALTH AND DISABILITY BENEFITS TO ELIGIBLE PARTICIPANTS AND THEIR DEPENDENTS.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $9,875,451

Investment Income $491,852

Other Revenue $0

TOTAL REVENUE $10,367,303

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,425

Fundraising Expenses $0

Other Expenses $850,191

TOTAL EXPENSES $10,322,145

Year-over-Year Comparison

	2024	2023	Change
Revenue	$10,367,303	$9,545,229	+0.1%
Expenses	$10,322,145	$8,578,168	+0.2%
Net Income	$45,158	$967,061	-1.0%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

$117,667

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RICHARD SCHNEIDER	TRUSTEE	1.00	Director	$0	$0	$0
STEPHEN LAMB	TRUSTEE	1.00	Director	$3,706	$0	$3,706
VIC CONELLIER	TRUSTEE	1.00	Director	$0	$0	$0
JAMES GARDINER	TRUSTEE	1.00	Director	$0	$0	$0
WILLIAM YOUNG	TRUSTEE	1.00	Director	$0	$31,237	$113,961
JOHN BEILEK	TRUSTEE	1.00	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$10,367,303	$10,322,145	$18,157,684	$45,158
2024	$9,545,229	$8,578,168	$10,049,876	$967,061
2023	$7,223,577	$5,999,069	$6,549,436	$1,224,508
2022	$6,914,241	$5,456,915	$4,124,728	$1,457,326
2021	$6,783,158	$6,167,394	$3,246,436	$615,764
2020	$6,632,994	$6,815,990	$2,662,906	$-182,996
2019	$5,544,194	$5,831,253	$2,616,930	$-287,059

IRON WORKERS REGIONAL HEALTH & WELFARE TRUST